How do demographics and other factors impact car insurance rates?
Why you can trust The Zebra
The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.
Who you are as a driver has a major impact on what you pay for car insurance. Your age, your credit score, and your driving record (which all impact your insurance score), are all taken into consideration by insurance companies when they price quotes. Let’s review the core aspects of your driving profile and how they impact your car insurance.
Your age is one way your insurance company assesses your driving experience. Younger drivers, especially teenage drivers, are statistically more likely to take risks behind the wheel and cause an accident. On average, teen drivers pay 302% more for car insurance than do drivers in their 50s, with all other metrics constant.
If you’re interested in more information on car insurance and age, see our related content below:
|Teen Drivers||Young Adult Drivers||Mature Drivers|
|Car Insurance for 16-year-olds||Car Insurance for 20-year-olds||Car Insurance for 30-year-olds|
|Car Insurance for 17-year-olds||Car Insurance for 21-year-olds||Car Insurance for 40-year-olds|
|Car Insurance for 18-year-olds||Car Insurance for 22-year-olds||Car Insurance for 50-year-olds|
|Car Insurance for 19-year-olds||Car Insurance for 23-year-olds||Car Insurance for 60-year-olds|
|Car Insurance for 24-year-olds|
|Car Insurance for 25-year-olds|
In nearly every US state, credit score is used as a major rating factor to determine your car insurance rates. According to the Federal Trade Commission, drivers with low credit file more expensive — and more frequent — claims. Thus, they’re more expensive and risky customers.
Our data, which can be explored in greater depth below, shows drivers with poor credit (350-500) pay almost $1,200 more per year for car insurance than do drivers with excellent credit.
Your driving history helps insurers understand the kind of driver you will be in the future. A history of claims, speeding tickets, or other citations will drastically raise your premium. On average, a driver who has been responsible for an at-fault crash pays $617 more per year than a driver without a collision on their record. For more information on your driving record impacts on your premium, see our related articles below.
Aside from age, credit score, and driving record, other demographic qualities impact car insurance rates. Below are articles that explore this.
|Car Insurance for Students||Car Insurance for Low-Income Families||Army Personnel|
|Car Insurance for Graduates||Car Insurance with Bad Credit||National Guard|
|Car Insurance with a GED||Car Insurance after Bankruptcy||Marines|
|Personal||Occupation||Martial or Familial Status|
|Car Insurance for Foreign Drivers||Car Insurance for Teachers||Car Insurance for Married Couples|
|Car Insurance for Ex-Pats||Car Insurance for Nurses||Car Insurance for Unmarried Couples|
|Car Insurance for Women||Car Insurance for Police||Married vs. Single Car Insurance|
|Car Insurance for Men||Car Insurance for Firefighters||Car Insurance for Divorced Couples|
|Gender-Neutral Car Insurance||Car Insurance for EMT||Car Insurance for Families|
|Car Insurance: Men vs Women||Car Insurance for First Responders||Car Insurance for Separated Couples|
|Car Insurance for Roommates||Car Insurance for Doctors||Car Insurance for Single Parents|
|Car Insurance for Drivers with Disabilities||Car Insurance for Government Employees|
|Car Insurance for Veterans||Car Insurance for Rideshare Drivers|
|Car Insurance with Medical Conditions||Car Insurance for Delivery Drivers|
|Car Insurance for Unemployed Drivers|
|Car Insurance for Self-Employed Drivers|
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.